TransUnion says US credit card balances rise 4.4% YoY to $1.14 trillion in Q2 2026
TRU•Credit card balances and delinquencies
TransUnion says US credit card balances rose 4.4% year over year to $1.14 trillion in Q2 2026.
Balance-level credit card delinquency held near-flat at 1.98% in Q2 2026, while TransUnion flagged steady credit access growth with debt expansion moderating.
Payments, originations and other lending trends
Non-mortgage minimum payments rose 1% to 3% year over year across most risk tiers, signaling manageable debt servicing despite affordability pressure.
Bankcard originations climbed 11.8% to 21 million in Q1 2026; total balances rose 4.4% to $1.14 trillion.
Unsecured personal loan balances increased 9.6% to $281 billion; originations rose 19.5%, led by subprime growth.
Mortgage originations jumped 26% to 1.24 million; 60+ DPD mortgage delinquency rose to , with risk concentrated in FHA loans.
